I reflect on Charlie Munger’s wish for more time and share three ideas from Bill Perkins’ Die With Zero that changed how I think about money and life.
First, you don’t retire with money—you retire with memories, and some experiences have real physical expiry dates, so postponing them can mean missing them forever.
Second, I reframe retirement planning by treating net worth peak as a date, not a number, and explain how dying with unspent money can represent thousands of hours worked for nothing, while the fear of running out is often bigger than the math.
Third, I walk through Perkins’ “time bucketing” exercise—mapping life in five-year blocks and assigning goals to realistic windows—plus my own buckets for travel, family, and work changes, to stop drifting and start choosing intentionally.
00:00 Munger’s Wish for Time
00:27 Book That Changed Me
01:05 Retire With Memories
02:06 Experiences Expire
03:19 Peak Net Worth Date
04:11 Fear of Running Out
05:09 Time Bucketing Method
06:16 My Time Buckets
07:07 Bucket List vs Buckets
07:54 Closing Takeaways
